Banco Popular de Puerto Rico

Tim is a founder of Mercator Advisory Group.� In 2003 he managed the Debit Advisory Service and in 2004 launched the Prepaid Advisory Service which implemented an industry benchmark utilizing a prepaid taxonomy that continues to guide the prepaid industry today.� As the current VP of Payments Innovation, Tim leads Mercator’s research on tokenization, mobile platforms and security, geolocation, data collection and analysis, and mobile support, to name just a few of the technologies shaping the future of payments.� Tim has been an expert witness in federal and state courts, contributed to FDIC research, and is widely quoted in both financial and industry press, including the Wall Street Journal, New York Times, American Banker, and Digital Transactions.��

Judith McGuire serves as Executive Vice President, Product Management for PULSE, a Discover Financial Services company and operator of the PULSE� electronic funds transfer (EFT) network, headquartered in Houston. PULSE is one of the nation�s leading ATM/debit networks, currently serving more than 4,400 banks, credit unions and savings institutions across the country. The network links cardholders with ATMs and point-of-sale terminals at retail locations nationwide.Ms. McGuire joined PULSE in July 2002 and managed the acquiring side of the network�s business until 2008. In her current position, her primary responsibilities are to provide strategic direction for new and existing products, direct activities related to PULSE product development and management, and oversee development and implementation of PULSE�s network pricing strategy.She has an extensive background in the payments industry, having worked at First Data Corporation for more than 9 years in multiple roles, including product development and marketing. Ms. McGuire is a graduate of The University of Texas at Austin with a Bachelor of Arts in Advertising.

Since joining PSCU as President and CEO in 2011, Mike Kelly has led a transformation of the company with a renewed mission to help its Member-Owners grow and prosper in the dynamic payments landscape. Through a focus on collaboration and initiatives to mine the collective intelligence from all corners of the cooperative, PSCU’s Member-Owners are positioned at the leading edge of innovation. The company’s state-of-the art MôPRO lab serves as a destination for credit unions to gather, collaborate and participate in the high energy exchange of ideas and growth strategies. Mike’s vision is to ensure PSCU’s credit unions achieve enduring growth and relevance by empowering them with the tools needed to leverage the abundant opportunities for credit unions in the future. PSCU’s relationships with technology titans like Google Wallet, Visa, MasterCard, First Data, SAP and Teradata are helping to equip Member-Owners for success in mobile payments and banking, EMV cards and data analytics. The combination of PSCU’s commitment to leadership in mobility and excellence in risk management, strategic consulting and technology creates PSCU’s foundation for the strongest partnerships with its Member-Owners.